I don’t know the percentage of Lamborghinis financed/leased vs owned outright, although most carfax I’ve seen show lease or loans. With woodside quoting 6.99+% and some others out there around 4% (CU’s) when rates were 1-3% 8 months ago. That removes buying power for many and does force pricing down, just as it does with mortgages.
And Americans here understand that most Americans have very little savings, even the ones we perceive as having wealth. That leads to lack of down payments for the TikTok, IG, and YouTube “influencers” who gobble these up for likes.
then there’s the aspect of an economic downturn. If it happens, we always see wealthy people heading to jail for shady stuff they were doing during the run-up, or they jump off buildings. Then the government is seizing assets and liquidating them or spouses are liquidating to payoff all these debts they never knew about. Cars usually fall into that liquidation pretty quickly, as do yachts and houses.
My guess is only as good as the next person’s.